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Down Payment Assistance Programs

Florida Housing offers down payment and closing cost assistance in the form of a second mortgage loan to assist eligible homebuyers with their down payment and closing costs. Down payment assistance is only available when used with Florida Housing's first mortgage loan. Down payment assistance is NOT available as "stand alone" down payment assistance. Florida Housing offers the following Down Payment Assistance Programs to eligible buyers:

The Florida Assist (FL Assist)

  • Offers up to $10,000 on FHA, VA, USDA and Conventional Loans.

  • 0%, non-amortizing, deferred second mortgage.

The FL Assist is not forgivable. Repayment is deferred, except in the event of the sale, transfer, satisfaction of the first mortgage, refinancing of the property or until such a time the mortgagor ceases to occupy the property at which time, the Florida Assist will become due and payable, in full.

Florida Hometown Heroes Housing Program

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.

       Click here for more information.

Florida Housing Hometown Heroes
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